HEALTH INSURANCE QUESTIONS WITH ANSWER
2025/2026 GRADED A+
Policyowner - on an accidental death and dismemberment (AD&D) insurance policy, who is
qualified to change the beneficiary designation ?
$25,000 - J has an Accidental Death and Dismemberment policy with a principal sum of
$50,000. While trimming the hedges, J cuts off one of his fingers. What is the MAXIMUM J will
receive from his policy?
disability income policy are NOT tax-deductible
major medical policy benefits are normally not taxed
disability income policy benefits are normally not taxed - accurately describes the tax treatment
of premiums and benefits of indivual accident and health insurance?
avoid the duplication of benefit payments - group health plans typically contain a coordination of
benefits (COB) provision and the purpose is:
interim coverage - Short term medical policy
Below a specific income limit - Medicaid was designed to assist individuals who are
Health Maintenance Organization (HMO) - which type of provider is known for stressing
preventative medical care and routine physical examinations?
Medicaid - the health insurance program which is administered by each state and funded by
both the federal and state governments called:
Health Maintenance Organization - J is a subscriber to a plan which contracts with doctors and
hospitals to provide medical benefits at a predetermined price, this plan is:
Part A covers hospitalization; Part B covers doctor's services - what does medicare parts a and
b cover?
, closed panel - The situation in which a group of physicians are salaried employees and conduct
business in an HMO facility is called a(n)
100% of the insured's Primary Insurance Amount (PIA) - what is the maximum social security
disability benefit amount an insured can receive?
PPO - under what systems do a group of doctors and hospitals in a designated area contract
with an insurer to provide services at a prearranged cost to the insured?
Social security disability income - the percentage of an individuals primary insurance amount
(PIA) determines the benefits paid in which of the following programs?
HMO - which of the following types of organizations are prepaid group health plans, where
members pay in advance for the services of participating physicians and hospitals that have
agreements
More physicians to choose from - which of the following BEST describes how a preferred
provider organization (PPO) is less restrictive than a health maintenance organization (HMO)
social security disability income - the percentage of an individuals primary insurance amount
(PIA) determines the benefits paid in which of the following programs?
Commerical Insurers - which of the following reimburses its insureds for covered medical
expenses?
survivorship
disability
retirement - social security provides benefits for:
hospitalizations
skilled nursing care
physical therapy - Medicare part a and b pays for:
2025/2026 GRADED A+
Policyowner - on an accidental death and dismemberment (AD&D) insurance policy, who is
qualified to change the beneficiary designation ?
$25,000 - J has an Accidental Death and Dismemberment policy with a principal sum of
$50,000. While trimming the hedges, J cuts off one of his fingers. What is the MAXIMUM J will
receive from his policy?
disability income policy are NOT tax-deductible
major medical policy benefits are normally not taxed
disability income policy benefits are normally not taxed - accurately describes the tax treatment
of premiums and benefits of indivual accident and health insurance?
avoid the duplication of benefit payments - group health plans typically contain a coordination of
benefits (COB) provision and the purpose is:
interim coverage - Short term medical policy
Below a specific income limit - Medicaid was designed to assist individuals who are
Health Maintenance Organization (HMO) - which type of provider is known for stressing
preventative medical care and routine physical examinations?
Medicaid - the health insurance program which is administered by each state and funded by
both the federal and state governments called:
Health Maintenance Organization - J is a subscriber to a plan which contracts with doctors and
hospitals to provide medical benefits at a predetermined price, this plan is:
Part A covers hospitalization; Part B covers doctor's services - what does medicare parts a and
b cover?
, closed panel - The situation in which a group of physicians are salaried employees and conduct
business in an HMO facility is called a(n)
100% of the insured's Primary Insurance Amount (PIA) - what is the maximum social security
disability benefit amount an insured can receive?
PPO - under what systems do a group of doctors and hospitals in a designated area contract
with an insurer to provide services at a prearranged cost to the insured?
Social security disability income - the percentage of an individuals primary insurance amount
(PIA) determines the benefits paid in which of the following programs?
HMO - which of the following types of organizations are prepaid group health plans, where
members pay in advance for the services of participating physicians and hospitals that have
agreements
More physicians to choose from - which of the following BEST describes how a preferred
provider organization (PPO) is less restrictive than a health maintenance organization (HMO)
social security disability income - the percentage of an individuals primary insurance amount
(PIA) determines the benefits paid in which of the following programs?
Commerical Insurers - which of the following reimburses its insureds for covered medical
expenses?
survivorship
disability
retirement - social security provides benefits for:
hospitalizations
skilled nursing care
physical therapy - Medicare part a and b pays for:
